BlastPoint's Credit Union Scorecard
GARY MUNICIPAL EMPLOYEES
Charter #16126 · IN
<100M
2508 CUs in <100M nationally
80 in IN
GARY MUNICIPAL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.34% above tier average
- + Net Charge-Off Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 3.20% below tier average
- - Efficiency ratio 64.14% above tier (higher cost structure)
- - Total Deposits: Bottom 2.5% in tier
- - Total Members: Bottom 2.5% in tier
- - Total Loans: Bottom 3.2% in tier
- - Total Assets: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
135
0% YoY+3.1% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$543,996
0% YoY+3.4% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.3% in tier |
| Loans |
$126,280
0% YoY-3.7% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.2% in tier |
| Deposits |
$318,819
0% YoY+7.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.4% in tier |
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| ROA |
-3.0%
-1.5% YoY-5437.9% QoQ
|
-3.2% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.3% in tier |
| NIM |
5.3%
-1.5% YoY-8.5% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
154.8%
0% YoY+68.3% QoQ
|
+64.1% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate |
0.5%
0% YoY-86.8% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
39.6%
0% YoY-10.6% QoQ
|
-18.9% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$3,297
0% YoY+1.1% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
46
Net Charge-Off Rate
risk
Value:
-0.92%
Peer Median: 0.07%
#46 of 2508
Top 1.8% in <100M tier
55
Net Worth Ratio
risk
Value:
39.79%
Peer Median: 14.28%
#55 of 2508
Top 2.2% in <100M tier
186
Net Interest Margin (NIM)
profitability
Value:
5.35%
Peer Median: 3.83%
#186 of 2508
Top 7.4% in <100M tier
Top Weaknesses (11 metrics)
2447
Total Deposits
balance_sheet
Value:
$318,819
Peer Median: $18.77M
#2447 of 2508
Bottom 2.5% in <100M tier
2446
Total Members
engagement
Value:
135
Peer Median: 1,918
#2446 of 2508
Bottom 2.5% in <100M tier
2440
Efficiency Ratio
profitability
Value:
154.77%
Peer Median: 81.45%
#2440 of 2508
Bottom 2.8% in <100M tier
2428
Total Loans
balance_sheet
Value:
$126,280
Peer Median: $9.48M
#2428 of 2508
Bottom 3.2% in <100M tier
2426
Return on Assets (ROA)
profitability
Value:
-3.05%
Peer Median: 0.61%
#2426 of 2508
Bottom 3.3% in <100M tier
2425
Total Assets
balance_sheet
Value:
$543,996
Peer Median: $21.86M
#2425 of 2508
Bottom 3.3% in <100M tier
2420
Members Per Employee (MPE)
engagement
Value:
45.000
Peer Median: 333.750
#2420 of 2508
Bottom 3.5% in <100M tier
2383
Average Member Relationship (AMR)
engagement
Value:
$3,297
Peer Median: $13,926
#2383 of 2508
Bottom 5.0% in <100M tier
2371
Loan-to-Member Ratio (LMR)
engagement
Value:
$935.41
Peer Median: $4,923
#2371 of 2508
Bottom 5.5% in <100M tier
2044
Fee Income Per Member
profitability
Value:
$8.86
Peer Median: $60.42
#2044 of 2508
Bottom 18.5% in <100M tier